Quick questions to check your Mortgage eligibility
I need an Italian Mortgage to
Stage of the Purchase?
Your request is not covered by the standard conditions for mortgages for foreigners in Italy so we cannot give automatic feedback based on the data entered, but need detailed information. If interested, you can take advantage of personalized advice by contacting our team at international@fideacredito.it. Our team will supply information on our financial assistance and advisory services.
Is the purchase price above € 120,000?
Can you afford at least 40% of the price?
What’s the currency of your earnings?
Your request is not covered by the standard conditions for mortgages for foreigners in Italy so we cannot give automatic feedback based on the data entered, but need detailed information. If interested, you can take advantage of personalized advice by contacting our team at international@fideacredito.it. Our team will supply information on our financial assistance and advisory services.
Where would you like to buy a property?
Target price?
When would you like to conclude your purchase?
Your request is not covered by the standard conditions for mortgages for foreigners in Italy so we cannot give automatic feedback based on the data entered but need more detailed information. If you are interested in knowing more then contact our team at international@fideacredito.it. Our team will supply information on our financial assistance and advisory services.
Your request is not covered by the standard conditions for mortgages for foreigners in Italy so we cannot give automatic feedback based on the data entered but need more detailed information. If you are interested in knowing more then contact our team at international@fideacredito.it. Our team will supply information on our financial assistance and advisory services.
Your request is not covered by the standard conditions for mortgages for foreigners in Italy so we cannot give automatic feedback based on the data entered, but need detailed information. If interested, you can take advantage of personalized advice by contacting our team at international@fideacredito.it. Our team will supply information on our financial assistance and advisory services.
Your request is not covered by the standard conditions for mortgages for foreigners in Italy so we cannot give automatic feedback based on the data entered but need more detailed information. If you are interested in knowing more then contact our team at international@fideacredito.it. Our team will supply information on our financial assistance and advisory services.
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Make a free appoinment to discover the mortgage suitable for you
Make a free appoinment to discover the mortgage suitable for you
Top Italian Mortgage is an Italian credit brokerage company,
specialized in securing mortgages on properties in Italy for foreigners, as well
as working with
Italian citizens resident outside of Italy with foreign income. We work with our
clients to find a mortgage in Italy for purchasing or renovating a property.
ACCEPTANCE CRITERIA
WHO IS ELIGIBLE?
Personal applicants (corporate mortgages at our discretion)
Residents in the countries in which the currencies mentioned above apply
Applicants both in regular employment and self-employed;
For income generated in a currency other than EUR, GBP, USD, CAD, CHF and for citizens of countries with other currencies we suggest booking a personalized consultation to provide in-depth information about your profile and receive feedback on the possibility of taking out a mortgage in Italy.
ELIGIBLE FOR FINANCE:
Purchase of primary residence or holiday
home
Habitable property fully compliant with local regulations
Max 60% of the purchase price
Max duration: 25 years
SMALL RENOVATION OF FIRST OR HOLIDAY
HOME
Required: tender documents and building permits
Funding for up to 50% of the final value of the property
Mortgage payable in a lump sum when project is complete
ACCEPTANCE CRITERIA
Max DTI ration (debt to income) 35% of the monthly income net of the existing commitments (i.e., loans, rents, mortgage loans, etc.)
Max age: no more than 75 years on final payment of mortgages
MAX duration: 25 years
Bank account in lender bank
All funds needed as equity for purchase to be transferred to the account in Lender
bank before the closing date
All documents regarding financial status of applicant to be provided as certified
translation in Italian
TYPES OF MORTGAGE
French Amortisation Schedule (fixed instalment
payments including interest and principal payment);
Fixed rate (Max 20 years) and variable
rate
No penalty for early redemption with both fixed
rate and variable rate mortgages
CLIENT TESTIMONIALS
We are very impressed with the professional and friendly support we received from
Fidea.
The consultants guided us along the whole trajectory with care and competence.
Should we score their job from 1 to 10 we would assign a full 10! Excellent
experience.
We felt we could fully trust them and we were not disappointed in our
expectations.
They took care of us from the beginning to the end.
Silvia and Basil
Netherlands, 07/07/19
I would evaluate the work of the consultant who assisted me absolutely perfect
from
beginning to end.
We could not have done it without Fidea. Professional, very experienced and deep
insight and knowledge of the entire process.
There was not a single question they could not answer. Also they really work
fast
and effective.
They advised us all along perfectly and we are immensely grateful for the
support
throughout the entire process.
Stefanie and Andrea
Switzerland, 03/07/19
Alessandro and Fidea team were exceptionally professional, constantly managed our
expectations and never
undelivered their promises. Really happy with the whole experience and would
highly
recommend Fidea.
Your team went out of their way to support us and we were very highly impressed
with
the level of attention.
The whole experience , from start to finish was managed impeccably.
Ruth and Carmelo
UK, 07/01/2019
My experience with FIDEA could not have been better.
Alessandro made the process so easy and handled everything quickly—even managing
to
move
everything along during the Christmas holiday.
I now am the proud owner of my dream apartment in Venice and could not be
happier!
I would recommend FIDEA to anyone sho has the dream of owning a small piece of
Italy
for themselves!
IT
